Palomar Specialty Insurance Company — homeowners Complaints in Texas

Detailed analysis of 120 homeowners insurance complaints filed against Palomar Specialty Insurance Company by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 120
Total homeowners Complaints (All States): 120
Texas Share: 100.0%
NAIC Complaint Ratio: 0.78
AI Risk Score: 45/100

Analysis: Palomar Specialty Insurance Company homeowners in Texas

Palomar Specialty Insurance Company has accumulated 120 homeowners insurance complaints from consumers in Texas. Across all states, Palomar Specialty Insurance Company has 120 total homeowners complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Delayed payment with 63 complaints. Other common issues include Claim denial (25), Premium or billing dispute (6), Policy cancellation (4).

The most active year was 2026 with 1 complaint filed.

Consumers in Texas who have homeowners disputes with Palomar Specialty Insurance Company can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	63	52.5%
Claim denial	25	20.8%
Premium or billing dispute	6	5.0%
Policy cancellation	4	3.3%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	2	1.7%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; C	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Corrective Action Taken; Informat	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Information Furnished	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Information	1	0.8%
Cust Srvc Policy Holder Srvcs \| Company Position Upheld; Contract Language/Legal Issue	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Contract Language/	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additional Payment Expected; Q	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld; Contract Language/Legal Issue	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Question of Fact	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Company Position Upheld	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue	1	0.8%
Endorsement / Rider; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Company Position Uph	1	0.8%
Unsatisfactory Settle/Offer \| Corrective Action Taken; Claim Settled; Additional Monies Received	1	0.8%
Unsatisfactory Settle/Offer \| Claim Settled; Information Furnished; Contract Language/Legal Issue	1	0.8%
Cust Service Claim Handling \| Question of Fact; Information Furnished	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled	1	0.8%
Cust Service Claim Handling \| Additional Monies Received	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact	1	0.8%
Endorsement / Rider \| Contract Language/Legal Issue	1	0.8%

Complaints by Year

2026: 1 complaints
2025: 18 complaints
2024: 21 complaints
2023: 16 complaints
2022: 8 complaints
2021: 23 complaints
2020: 7 complaints
2019: 2 complaints
2018: 4 complaints
2017: 15 complaints
2016: 4 complaints
2015: 1 complaints

Recent homeowners Complaints Against Palomar Specialty Insurance Company in Texas

homeowners Complaint #TX-448255-c8dd5054 (2026-02-23) — Delayed payment
homeowners Complaint #TX-441090-6699b65d (2025-12-02) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Payment Expected; Contract Language/Legal Issue; C
homeowners Complaint #TX-437599-c8dd5054 (2025-10-20) — Delayed payment
homeowners Complaint #TX-435397-6699b65d (2025-09-24) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Monies Received; Corrective Action Taken; Informat
homeowners Complaint #TX-434594-63660fc2 (2025-09-16) — Delayed payment
homeowners Complaint #TX-432449-b6f5ee61 (2025-08-21) — Premium or billing dispute
homeowners Complaint #TX-428968-dc32b0bf (2025-07-16) — Delayed payment
homeowners Complaint #TX-428780-43dd8353 (2025-07-15) — Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Information Furnished
homeowners Complaint #TX-428548-dc32b0bf (2025-07-11) — Delayed payment
homeowners Complaint #TX-428013-6699b65d (2025-07-07) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact; Information

Frequently Asked Questions

How many homeowners complaints does Palomar Specialty Insurance Company have in Texas?

Palomar Specialty Insurance Company has 120 homeowners insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common homeowners complaint issues with Palomar Specialty Insurance Company in Texas?

The most common issues are: Delayed payment (63), Claim denial (25), Premium or billing dispute (6), Policy cancellation (4), Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact (2).

How does Palomar Specialty Insurance Company's homeowners record in Texas compare to other states?

Palomar Specialty Insurance Company has 120 homeowners complaints in Texas out of 120 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.

Where can I file a homeowners complaint against Palomar Specialty Insurance Company in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.